Call reports 2005
FARMERS STATE BANK — 2005
What FARMERS STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 50,158,000 | 49,290,000 | 49,010,000 | 48,887,000 |
| Total loans | 33,698,000 | 34,542,000 | 35,744,000 | 35,708,000 |
| Allowance for loan losses | 875,000 | 909,000 | 1,074,000 | 980,000 |
| Securities available for sale | 11,986,000 | 12,010,000 | 11,302,000 | 10,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,152,000 | 39,179,000 | 38,802,000 | 39,184,000 |
| Interest-bearing deposits | 33,560,000 | 32,249,000 | 32,481,000 | 32,984,000 |
| Noninterest-bearing deposits | 6,592,000 | 6,930,000 | 6,321,000 | 6,200,000 |
| Equity capital | 9,754,000 | 9,832,000 | 9,844,000 | 9,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 744,000 | 1,499,000 | 2,291,000 | 3,082,000 |
| Interest expense | 155,000 | 328,000 | 521,000 | 730,000 |
| Net interest income | 589,000 | 1,171,000 | 1,770,000 | 2,352,000 |
| Noninterest income | 73,000 | 153,000 | 233,000 | 319,000 |
| Noninterest expense | 400,000 | 814,000 | 1,245,000 | 1,671,000 |
| Provision for loan losses | 52,000 | 105,000 | 158,000 | 210,000 |
| Pretax income | 210,000 | 405,000 | 600,000 | 777,000 |
| Income tax | 12,000 | 32,000 | 52,000 | 70,000 |
| Net income | 198,000 | 373,000 | 548,000 | 707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,607,000 | 9,628,000 | 9,718,000 | 9,387,000 |
| Total capital | 10,011,000 | 10,040,000 | 10,141,000 | 9,813,000 |
| Risk-weighted assets | 32,141,000 | 32,707,000 | 33,350,000 | 33,521,000 |